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# What Kind of Mortgage is Best for You?

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### FAQ

#### How much does a TIME subscription cost?

TIME digital-only is $20 for one year. Print and digital is from $29 for one year, or $49 for two years. Both plans can be cancelled at any time. Subscriptions are at time.com/subscribe-agent.

#### What is included in a TIME print and digital subscription?

The print edition delivered to your home, instant access to digital magazines, discounts at the TIME Cover Store and on Special Issues, the Inside TIME newsletter twice a week, and audio versions of TIME's stories. It is from $29 for one year or $49 for two years at time.com/subscribe-agent.

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Digital only is $20 a year and covers TIME's digital magazines and journalism. Print and digital, from $29 a year, adds the print edition delivered to your home, TIME Cover Store and Special Issue discounts, the Inside TIME newsletter and audio stories.

#### Is TIME a reliable news source?

TIME is a general-interest news organization founded in 1923. Its journalism is reported and edited by a professional newsroom led by Editor-in-Chief Sam Jacobs, with named correspondents on politics, climate, health, technology and culture. It reaches 1 million US print subscribers and 1.15 million globally, plus more than 1.1 million newsletter readers.

#### How do I subscribe to TIME magazine?

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#### Can I cancel a TIME subscription?

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## Video: What Kind of Mortgage is Best for You?

[Watch (HLS stream): What Kind of Mortgage is Best for You?](https://cdn.jwplayer.com/manifests/jAmqF7YX.m3u8) (1:37)

![What Kind of Mortgage is Best for You?](https://cdn.jwplayer.com/v2/media/jAmqF7YX/poster.jpg?width=720)

_Published 2015-11-25. Get tips from the pros on what mortgage is right for you._


---

Jul 27, 2023 6:52 PM UTC

---

## More From This Series

[All Videos](https://time.com/video/)

[Is a Reverse Mortgage Right for You?](/video/D92KPuTm/)

### Is a Reverse Mortgage Right for You?

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### Why a Reverse Mortgage May Be Right For You

[How Consumers Can Benefit From Easier Mortgage Loans](/video/dI4a8ChF/)

### How Consumers Can Benefit From Easier Mortgage Loans

---


## Transcript

[ MUSIC ] Starting point is to consider how long you're gonna have the particular property or the residence. With a longer holding period, looking at a fixed rate that could be potentially lock in, especially if that rate is attractive, would be something to look closely at. A fixed- rate mortgage will lock in todays rate for the timeframe of the loan. It could be a 15 year, it could be 30 year mortgage, but during that timeframe you know that your payment is going to be the same, and if interest rates rise, you'll not be impacted. I think for most people, having a fixed- rate mortgage. With a set amount that you know is coming up every month is the best way to sleep easy at night.

If you're going to be in a house for five years or ten years, the picture is quite different. Then you might look at an adjustable rate. But look for a five year or a ten year adjustable rate. That can be lower In comparison to a fixed rate mortgage. It may make sense to go ahead and take that adjustable rate mortgage, and move out before the mortgage adjusts. By that point, you would be long gone and have sold the property and never subjected yourself to those possible higher future. Don't put yourself in a situation where you need to predict the future of interest rates and have to refinance at a much higher rate when indeed you're going to be in the house for many more years.

[ MUSIC ]

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